Branch Manager - Group Loans

The Branch Manager Group Loans will be responsible for overseeing the overall branch operations with a strong focus on group lending (JLG/SHG). The role involves driving business growth, portfolio quality, team management, and ensuring compliance with NBFC policies and regulatory guidelines.

• Key Responsibilities:
• Manage end-to-end branch operations for group loan business.
• Drive disbursement targets and achieve business growth as per company objectives.
• Monitor and control portfolio quality, PAR, and delinquency levels.
• Lead, train, and supervise field staff, credit officers, and branch team.
• Conduct group formation, center meetings, and customer relationship management.
• Ensure proper credit appraisal, documentation, and loan processing as per policy.
• Strengthen customer acquisition and retention in the assigned territory.
• Implement effective collection strategies to maintain healthy repayment rates.
• Ensure adherence to internal audit, compliance, and regulatory norms (RBI/NBFC guidelines).
• Prepare branch MIS reports and review performance metrics regularly.
• Handle customer grievances and resolve field-level operational issues.
• Coordinate with regional office and support branch expansion initiatives.
• Key Skills & Competencies:
• Strong knowledge of Group Loans / JLG / Microfinance operations
• Leadership and team management skills
• Credit assessment and risk management
• Collection and recovery management
• Good communication and stakeholder management
• Strong analytical and decision-making skills
• Eligibility Criteria:
• Graduate / Postgraduate in Finance, Commerce, Business Administration or related field
• 5–8 years of experience in NBFC/MFI with minimum 2–3 years in a supervisory/Branch Manager role
• Proven experience in handling Group Loan portfolio
• Strong understanding of rural/field operations preferred
• Preferred Requirements:
• Experience in Microfinance / JLG lending model
• Willingness to travel extensively within the branch territory
• Local language proficiency
• KPIs / Performance Metrics:
• Disbursement & AUM Growth
• Portfolio Quality (PAR, NPA)
• Collection Efficiency
• Customer Acquisition & Retention
• Team Productivity and Branch Profitability